Date Received: 2023-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking account with Chase Bank on XX/XX/2023 and deposited two ( 2 ) payroll checks from my current employer on XX/XX/2023. A couple days later I tried to access my checking account, but it was closed and funds taken by Chase Bank. The 2 payroll checks were the ONLY transactions/deposits I ever made with that account. I called Chase Bank and their representative informed me that they did not have any information to provide other than that my account was being " investigated '', and that they were under no obligation to offer any further explanation. I have visited my local Chase Bank branch on XXXX XXXX. in XXXX, Virginia and spoken with the branch Manager ( XXXX XXXX XXXX as well as other representatives, and offered evidence of my payroll stubs or have them verify me through ccc.verify.com. The only resolution they have offered is to have someone verify that the money was given to me from a verified phone number ( in their system ). I subsequently made an appointment, physically provided XXXX XXXX and XXXX phone numbers for verification. The branch rejected the telephone numbers I provided because the number belongs to XXXX XXXX rather than XXXX. I explained that XXXX is a corporation under XXXX, but I was told they cant release it. Lastly, the Chase Bank Fraud Department somehow found the CEOs phone number and said the system verified it. They contacted the CEO about my situation without my knowledge, and when she responded that she wasnt aware they told me they werent going to release it. How would the CEO of a multi-billion dollar corporation be aware of the banking predicament of XXXX of thousands of employees? Any help you can provide is greatly appreciated this is XXXX hours I worked that I never got the money for. I am a XXXX old, full-time XXXX XXXX, whose ONLY means of paying rent is my job. Chase Bank is attempting to steal my money and I have no way to fight them. I am now aware that there are many other people who have had, and are having, similar experiences with Chase Bank. I need help.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: At the beginning of this year, the bank change the nature of my checking account, in such a manner as to prevent me from keeping up with overdrafts. Previously I had until XXXX XXXX or any given day I had overdraft to bring the account current for end of day. They changed it so that end of day didnt count and my XXXX XXXX XXXX XXXX XXXX limit is gone.. as a result, they have charged me more overdraft fees this year than in the entire history of my account totaling over {$6000.00} plus in overdraft fees
Company Response:
State: MI
Zip: 49548
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i unfortunately had to close a business that i had for many years due to a few big losses during covid. I didn't realize i had a personal guarantee, wasn't informed I had a personal guarantee till the 5th month. when they reported me late on 4 payments. this has caused me irreparable damage. once informed I caught them up immediately. the damage was done and is still being done. I've never missed a payment before this .so when it was reported that i missed 4 all my creditors freaked out and started lowering my available credit one then caused the next to do the same even thou I've paid off over XXXX in debt its still showing 55 to 60 % usage cause of this misreporting. this is a business card that was never XXXXne my report but even though its caught up still shows up on my personal report. the way the bank handled this was underhanded and sneaky i have XXXX 's of XXXX of dollars going thru this bank from other accounts i have and no one wants to listen to me. i understand what a personal guarantee means and didn't know this account was set up like this otherwise i wouldn't have ruined my perfect payment history i would have just paid it and marked it up as learning lesson but this has gone way beyond that at this point please help get this removed from my personal report it is business and not personal
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023, I XXXX of XXXX XXXX was billed a statement stating that I owed {$15000.00} to Chase Business Ink Credit Card. I am stating this as a billing error. My account is showing a positive non-negative balance which leaves me questioning how I am indeed in debt to Chase Business Ink. Pursuant to 15 U.S.C. 1666 ( i and ii ) you must provide proof of my indebtedness. Payment ledgers are not an acceptance of debt or proof of indebtedness per 15 U.S. Code 1692g - Validation of debts. Pursuant to 18 U.S.C. 8 the United States is the obligor of all forms of payment. I see that JPMChase has reported the account as Closed/Charged off to the credit bureaus which prompts me, the consumer, to request my 1099-c. Under consumer law a 1099-c is federally required to be provided to the consumer. Pursuant 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities, not providing consumer with 1099-c is a violation punishable under federal law.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Charges were made to my CC in the amount of ( roughly ) {$1800.00} that I did not make. Chase stated that XXXX said the charges were authorized through XXXX XXXX but there is no record of this in my XXXX XXXX and Chase did not give me any supporting documentation of this claim, they just denied it. I spoke several times with representatives from the Fraud dept with no help whatsoever. I submitted the police report and the Federal Trade Commission report and they still denied my request for refund. I spoke with a Chase Fraud Supervisor who stated " XXXX XXXX your time is valuable, there is nothing I can do here... and then hung up without letting me speak ( there should be a recording of the phone call ).
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information was used to apply for a Chase Freedom credit card without my knowledge.
Company Response:
State: AR
Zip: 72116
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In or around the latter part of XX/XX/2023, I filed a complaint with CFPB ( XXXX ) concerning a check I wrote on XX/XX/2023, in the amount of {$1300.00} made payable to Citicard as payment on my credit card. Somehow, JP Morgan Chase intercepted this check and deposited it. How and why JPMC came to possess this check, which was not made payable to them, has not been explained ; other than by JPMC executive employee XXXX XXXX, who claimed " it is not their fault. '' Since filing the initial CFPB complaint I have been trying to recover my funds ; however, JPMC ( specifically, XXXX XXXX ) has continued to gaslight and change what they claim they need to repay the funds they illegally intercepted and fraudulently deposited. I am attaching the most recent correspondence and contacts I have had with JPMC executive employee XXXX XXXX, which also included contacts my credit union has had with her as well. Bottom line is, JPMC still has not returned my funds ; XXXX XXXX has misrepresented to both myself and my credit union what is needed to return my funds. This entire ordeal has become surreal. The conversations both I and my credit union have had with XXXX XXXX with JPMC have been rife with misrepresentations. I question JPMC 's business practices and specifically XXXX XXXX 's. JPMC has acknowledged they have no right or claim to my funds, yet they refuse to return them. I am pleading with the CFPB to assist in the recovery of my {$1300.00}. I am attaching the most recent and relevant documents concerning this matter. They are self-explanatory ; however, I am available at anytime to discuss this matter with whomever is necessary for further clarification.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: An account was opened without my knowledge. I tried to create an account but I was told my information was already in the system
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/, I received a notification that I had made a XXXX payment to a person named XXXX. I did not make any such transaction. So, immediately, when I received this notification on my phone, I called Chase and reported fraud. Chase told me to file a claim so I did. On XX/XX/XXXX Chase returned the {$1200.00} to our bank account. They reversed the XXXX. Then on XX/XX/XXXX they took the {$1200.00} away from us. We called about this and they told us that the claim had been denied. They made a mistake and refunded our money- so they had to take it away. In the meantime, this led to our account being overdrawn and overdraft charges being incurred. They told us that the reason why the claim was denied was because it was a XXXX payment, and there was no proof that this was fraud- but we had called immediately to say that it was a fraud situation. They said there was no proof that anyone had access to our account. My wife, XXXX, told CHASE that she had her XXXX XXXX taken on an airplane over the summer. Also my phone was stolen about 10 years ago ( we had the same bank info ). They told us that they would resubmit the claim, and this time it should go through, but it was denied once again. Not only did we have {$1200.00} stolen, but everyone that we spoke to at Chase kept us on the phone for a very long time ( hours at some point ), and was unable to help us. It felt like we were being treated poorly because we were XXXX XXXX XXXXXXXX. So not only did we have a fraud situation, but then we had overdraft charges because Chase refunded the money and then took it away again. Im afraid that this affected our credit as well. We would like the {$1200.00} returned.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am writing this letter to ask for help in a claim I have with Chase Bank, since they have denied it twice. It turns out that someone made several transactions totaling {$3900.00} with a debit card in the state of Georgia, on XX/XX/XXXX and XXXX. Chase XXXX department tells me that I myself went to the branch located at XXXX XXXX, and XXXX XXXX. In XXXX XXXX, on XX/XX/XXXX to order a new debit card and have it shipped to an address in Georgia. Which is not true since I have only lived in XXXX XXXX CA. In fact, I went to that same branch on XX/XX/XXXX to deposit a check, but when I inserted my debit card, my pin that I always used was not accepted. XXXX, who helped me, asked for help and I was told that my debit card had been canceled and a new one had been sent. But I asked why?, if I hadn't done any of that. Then they said that they were going to cancel that card that was sent and that they were going to send me another one. In fact, I received a card that I couldn't use after activating it, because it declined. On XX/XX/XXXX, working in XXXX XXXX CA. I went to a chase branch to get help with that card. And they helped me change the account profile because they said my account was compromised, but they couldn't send me a new card yet. XX/XX/XXXX is when I became aware of Georgia 's transactions and called Chase. And they made me change the account profile once again. The person who made these transactions in the state of Georgia was able to request the card, and was even able to transfer money from my savings account to my checking account. the chase 's fraud department denied me the claim because the they found the transactions were genuine. I think Chase is responsible for taking care of people 's money. I don't know what else to do, to get Chase to resolve this issue for me. I hope you can help me. Thank you.
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A